I think the handwriting is wonderful. (You must have a lot of leisure hours to be used for improvement)

A bit of critique on the Spencerian, however: the shades in the script are usually meant to be short and snappy. Capital stems should only have the lower half shaded. To get the right side of the line straight (rather than bulging at the shade) on the stems, twist the holder. The lowercase letters should not be shaded as often — once every two letters is the maximum recommended by the Ornamental Penmanship handbook, and Spencerian business writing should be shaded less still.

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